Best Dining Credit Cards

Best Credit Cards for Restaurants in 2020

One tip you might get when trying to manage your budget and cut down on spending is to eliminate your habit of dining out.

However, eating out or ordering in on delivery sites, like Doordash or Grubhub, you can tap into your membership rewards and access your cash back deals.

But what credit cards have the top rewards program? Keep reading for our list of our top dining credit cards with the best dining rewards, cash bonuses, travel rewards, and overall perks.

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express card is a great introduction to the American Express portfolio, particularly for those who don’t like to spend a lot on credit cards.

There’s no annual fee, and the welcome sign up bonus threshold is considered to be low ($1,000 in the first three months earns you 20,000 points).

Wells Fargo’s card offers better rewards than the Chase Sapphire Preferred at a lower cost.

Chase Sapphire Reserve

If there’s one Chase card that is considered to have the top rewards rate on dining and loyalty programs, it’s the Chase Sapphire Reserve. You’ll get 3x membership rewards or points on all dining purchases – whether at home or abroad. There’s no limit on what you can earn, and you’ll earn an estimated 6 cents per dollar spent dining out.

The new card welcome bonuses also tend to be very good. One 2020 introductory perk includes 50,000 bonus points after spending $4,000 in 3 months.  Also note that there are travel rewards that include Priority pass Select membership (free airport lounge access, $300 annual travel credit, car rentals. and more).

However, there is an annual fee of $550, so you’ll need to make sure you’re earning enough to make the card worth it. 

Note: the Sapphire Reserve is also an excellent travel card. It best suits those who travel extensively and can take advantage of the other bonus categories.

U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card differs from the other cards in that you can prioritize your cash back offers, rather than taking what they give you. You can choose to receive 5% cash back on two preferred categories. Cardholders can also update these rotating categories quarterly.

However, the top rewards tier is limited upon account opening to the first $2,000 spent on both categories, such as airfare or grocery stores, which resets quarterly. Otherwise, you get 2% cash back on one everyday category.

The card’s flexibility combined with its no-annual-fee status make it a great one to carry with you for targeted spending.

Capital One Savor One Cash Rewards Credit Card

You might remember your parents back in the day using Capital One‘s original cash back card. 

The Capital One Savor One card tops other credit card offers because you can earn up to 3% cash back on restaurants or fast food (unlimited) and there’s no annual fee or intro APR.  While dining rewards cards are great, some can come with hefty one time or first-year fees.

Dining Credit Cards Bottom Line

When used appropriately, dining credit cards earn you rewards on everyday purchases and offset the costs of those little luxuries, like those fast food trips or eating out a few times a week. Our list of the membership rewards credit cards for restaurants can help those who opt not to cook earn extra bonus rewards on eligible purchases.

Did you know that getting a credit card can also help you buy a house? Read our guide on what you need to know about the impact of credit on your mortgage application.

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